IN THIS SECTION SEE PAGE. Diageo: Your 2015 Employee Benefits 103

Transcription

1 Diageo: Your 2015 Employee Benefits 103 Life Insurance and Accidental Death & Dismemberment (AD&D) The Life Insurance and Accidental Death and Dismemberment (AD&D) Plans at Diageo NA provide financial protection for you and your family in the event of injury or death. There is Company-paid coverage and the option to purchase additional coverage based on your family s needs. IN THIS SECTION SEE PAGE How Life Insurance and AD&D Plans Work Annual Base Salary Choosing a Beneficiary Proof of Insurability Cost of Coverage Benefits Covered by Life Insurance Basic Core Life Insurance Basic Life Insurance Supplemental Life Insurance Dependent Life Insurance Benefits Covered by AD&D Business Travel Accident Coverage AD&D and Business Travel Accident Limitations Filing a Claim for Benefits Converting Your Coverage...110

2 104 Diageo: Your 2015 Employee Benefits How Life Insurance and AD&D Plans Work There are three options: Company-paid Basic or Core Life Insurance and AD&D Employee-paid Supplemental Life Insurance and AD&D Employee-paid Dependent Life Insurance and AD&D Unless you elect otherwise, you will automatically be enrolled for Company-paid Basic Life Insurance and AD&D. You also automatically receive Company-paid Business Travel Accident Insurance that provides an additional benefit if you die or are permanently injured while traveling on Company business. Questions? If you have questions about your life insurance benefits after you review the information here, call the Benefits Center at Annual Base Salary Life Insurance, AD&D, and Business Travel Accident benefits are based on your annual base salary. As your salary increases, your coverage increases. Annual base salary does not include commissions, bonuses, overtime pay, or any fringe benefits. Unless you choose another option, you will automatically be enrolled for Basic Life and AD&D Insurance and Business Travel Accident Insurance. Benefit Amounts Benefit Options Company-Paid Benefit Employee-Paid Benefit Basic Core Life Insurance and AD&D $50,000 Basic Life Insurance Supplemental Life Insurance and AD&D Business Travel Accident Insurance Benefit Options for Your Family Dependent Life Insurance and AD&D 2 your annual base salary up to $1million maximum* 5 your annual base salary (maximum $500,000) From 1 to 5 your annual base salary* Spouse or domestic partner:$10,000, $25,000, or $50,000 Children: $5,000 or $10,000 * The maximum life insurance benefit (Core or Basic + Supplemental) is $1.5 million. The maximum combined life insurance and AD&D benefit is $3 million.

3 Diageo: Your 2015 Employee Benefits 105 Choosing a Beneficiary When you become eligible for coverage, you will be asked to choose a beneficiary(ies). You may choose one or more persons, a trust, an estate, or a charitable institution. You may change your beneficiary(ies) as often as you like by contacting the Benefits Center at or If you purchase Dependent Life Insurance, you are automatically the beneficiary of that policy. Beneficiary(ies) The person or organization that will receive your life insurance benefit. Proof of Insurability If you have coverage that exceeds certain limits or if you want to add additional coverage after your initial new hire enrollment, you may need to provide proof of insurability. The insurance company must approve the coverage, and additional coverage is not guaranteed. The following chart shows when proof of insurability is required: Type of Insurance Basic Life Insurance and AD&D Supplemental Life Insurance and AD&D Dependent Life Insurance and AD&D Spouse/domestic partner Dependent Life Insurance and AD&D Children Proof of Insurability Required New Employees: $650,000 or more in coverage. Current Employees: Increase from $50,000 option to 2 annual base salary option New Employees: $250,000 or more in coverage, if you enroll within 31 days of your eligibility date. Current Employees: Required for all Supplemental initial elections or coverage increases after your first 31 days of eligibility Not required, but spouses/domestic partners can only be added during Open Enrollment or within 31 days of a life status change Not required, but children can only be added during Open Enrollment or within 31 days of a life status change Proof of Insurability If you want additional coverage or have a life status change, you (or your spouse or domestic partner) will need to complete a personal health statement, and submit it to the insurance company Cost of Coverage The Company pays the full cost of your Basic or Core Life and AD&D and Business Travel Accident Insurance. Premiums for Supplemental and Dependent coverage can be found by logging onto or calling the Benefits Center at Your cost for supplemental coverage will depend on the amount of insurance, your age, and whether you are a smoker or non-smoker. Premiums for supplemental coverage will automatically increase as your annual base salary increases, or when you enter a new age bracket.

4 106 Diageo: Your 2015 Employee Benefits Tax Information The IRS requires Company-paid life insurance above $50,000 be reported as imputed income. This means that the Company must increase your taxable earnings based on the amount of Company-paid life insurance you have over the $50,000 limit. For example, if you have $75,000 in Basic Life Insurance coverage, you will be taxed on $25,000 ($75,000 minus $50,000). This imputed income amount is noted on your payroll statement. Your cost for Supplemental and Dependent coverage will be deducted from your pay on an after-tax basis. An Example An employee s annual base salary is $40,000, and she has elected Basic Life Insurance at 2 her annual base salary and Supplemental coverage at 3 her annual base salary. If she dies in an accident, while on Company business, her beneficiary will receive the following: Employee s Coverage Calculating the Benefit Amount Payable to Beneficiary Basic Life and AD&D 2 annual base salary Supplemental Life and AD&D 3 annual base salary Business Travel Accident 5 annual base salary Life $40,000 2 = $80,000 $160,000 AD&D $40,000 2 = $80,000 Life $40,000 3 = $120,000 $240,000 AD&D $40,000 3 = $120,000 $40,000 5 = $200,000 $200,000 Total payment to beneficiary: $600,000 Benefits Covered by Life Insurance Life Insurance benefits are payable if you die while an active employee of Diageo NA, regardless of the cause of death. Basic Core Life Insurance The Company automatically provides you with $50,000 in term life insurance at no cost to you. If you die, your beneficiary(ies) will receive this amount.

5 Diageo: Your 2015 Employee Benefits 107 Basic Life Insurance If you would like more than $50,000 in coverage, the Company will provide you with 2 your annual base salary (rounded up to the nearest thousand dollars) in term life insurance. This coverage is available at no cost to you. Basic Life Insurance Benefits of $650,000 or More If your Basic Life Insurance benefit is $650,000 or more, you will need to provide the insurance company with proof of insurability. See Proof of Insurability on page 105. Supplemental Life Insurance Keep your beneficiary information up to date It is important to keep your beneficiary information up to date. You may want to make a change if you get married, divorced, have children, or experience another life status change. You may purchase Supplemental Life Insurance from 1 to 5 your annual base salary (rounded up to the nearest thousand dollars) up to the maximum benefit of $1.5 million (Core or Basic + Supplemental). This amount is in addition to your Basic Life Insurance. Your cost for coverage is based on your age, amount of insurance, and whether you are a smoker or non-smoker. Supplemental Life Insurance Benefits of $250,000 or More If your Supplemental Life Insurance benefit is $250,000 or more, you will need to provide the insurance company with proof of insurability. See Proof of Insurability on page 105. Dependent Life Insurance Dependent life insurance is available for your dependents as listed in the Participating in the Benefit Plans section. You may purchase coverage for your spouse or eligible partner in the amount of $10,000, $25,000, or $50,000. If you and your spouse work for Diageo, only one of you can cover the other for spousal life. You may purchase $10,000 of coverage for each of your dependent children. You are automatically the beneficiary of Dependent Life Insurance. Maximum Benefits Below are the maximum benefit amounts available for Life and AD&D Insurance. Coverage Type Life Insurance Basic Life Insurance Core or Basic + Supplemental Life Insurance Dependent Insurance: for spouse/domestic partner for children Amount Covered $1 million $1.5 million $50,000 $10,000

6 108 Diageo: Your 2015 Employee Benefits Coverage Type Amount Covered AD&D Coverage AD&D coverage $1.5 million Combined Life and AD&D Insurance $3 million Business Travel Accident $500,000 Benefits Covered by AD&D AD&D Insurance provides a benefit to you or your beneficiary(ies) if you die or become permanently injured in an accident. This benefit is in effect 24 hours a day. When you enroll for Life Insurance coverage (Basic, Supplemental, Dependent), you are automatically enrolled for the same amount of AD&D coverage. AD&D benefits are paid in addition to your life insurance benefits. For example, if your annual base salary is $40,000 and you elect Basic Life Insurance (2 annual base salary), you will have $80,000 in life insurance plus $80,000 in AD&D coverage. Business Travel Accident Coverage If you die or are permanently injured while traveling on Company business, you or your beneficiary may receive an additional benefit equal to 5 your annual base salary, up to a maximum benefit of $500,000. (Benefits are reduced beginning at age 70.) This Plan is not in effect during your daily commute to and from work. If you experience more than one loss from injuries in the same accident, the most you will receive is 100% of your benefit. The loss must occur while you are covered by this plan and within 365 days of the accident. AD&D and Business Travel Accident Benefit Amounts AD&D and Business Travel Accident benefits are based on a percentage of your life insurance benefit depending on the loss incurred. Loss Incurred AD&D Benefit Coverage 100% Life Insurance Benefit Life Both hands or both feet Sight of both eyes One hand and sight of one eye One foot and sight of one eye Speech and hearing 50% Life Insurance Benefit One hand One foot Sight of one eye Speech Hearing 25% Life Insurance Benefit Thumb and index finger on either hand Loss of sight means the total loss of sight which cannot be restored by surgical or other means. Loss of hand means severance at or above the wrist joint. Loss of foot means severance at or above the ankle joint.

7 Diageo: Your 2015 Employee Benefits 109 AD&D and Business Travel Accident Limitations Benefits will not be paid if the loss is a result of: Mental or physical illness Medical or surgical treatment (unless resulting from a covered accident) Self-inflicted injury War, or an act of war, or service in any military force Police or military duty A commission of a felony Travel or flight except as a passenger on a commercial or military transport Drugs, unless prescribed by a physician Poison, gas, or fumes voluntarily taken or inhaled, unless taken on the advice of a dentist or physician Ptomaine or bacterial infection (unless the infection occurs because of a wound suffered in a covered accident) Activities such as crop dusting, sky diving, hang gliding, racing, aerial photography, or situations requiring FAA special permits, etc. Filing a Claim for Benefits There are different methods of filing a claim if: You die Your dependent dies You are injured Your dependent is injured If You Die If you die, your beneficiary(ies) should notify your supervisor and your Human Resources Representative as soon as possible. To receive benefits, your beneficiary(ies) will need to complete a claim form and submit a certified death certificate. Your Human Resources Representative can help your beneficiary(ies) complete the necessary claim forms and any additional information required by the insurance company. If a Dependent Dies If a dependent dies, you should notify your Human Resources Representative, and follow the same procedures as described above.

8 110 Diageo: Your 2015 Employee Benefits If You Are Injured If you are injured in an accident, you must notify your supervisor and your Human Resources Representative as soon as possible. If you have a loss that qualifies for an AD&D benefit, you will need to provide medical documentation of the loss. Your Human Resources Representative can help you complete the necessary claim forms and any additional information required by the insurance company. If a Dependent Is Injured If a dependent is injured in an accident, you should notify your Human Resources Representative, and follow the same procedures as described above. Payments Benefits are generally paid as installment payments, but you or your beneficiary(ies) may choose to receive a lump sum. Converting Your Coverage If your coverage ends, or a dependent is no longer eligible for coverage, you may convert the life insurance portion of the coverage to an individual policy. Note, AD&D coverage cannot be converted. In order to convert your life insurance coverage, you must complete the application and pay the premium within 31 days following the termination of coverage. Conversion forms will be sent to you (or your dependent) if coverage ends. If you or a dependent dies within the 31-day period following termination of coverage, the full life insurance benefit will be paid whether or not you have applied for an individual policy. For your supplementary life insurance coverage, you have another option - to convert this coverage or to use the plan s portability feature to continue your coverage at group rates somewhat higher than those available to active employees, but lower than individual policy rates. Continuing coverage through the portability feature is less expensive than if you were to convert your coverage to an individual policy or purchase life insurance on your own. You may apply for the portability option if your insurance is discontinued because of one of the following reasons: You terminate employment You change to a regularly scheduled work week of fewer than 20 hours a week You retire

9 Diageo: Your 2015 Employee Benefits 111 Portability allows employees to elect new group life insurance if their coverage terminates because their employment ends or they are no longer in an eligible class. The Hartford s portability insurance policy is group term coverage that allows individuals to port without providing proof of insurability, regardless of their health status. The Hartford does not have a minimum case size restriction for offering portability, which makes this valuable benefit available to a greater number of employers. In addition, there is no initial coverage period required for an individual to be eligible to port. The Portability Option is only available to Diageo employees who have Supplemental life insurance. The Portability Option is not available on Diageo s Basic Life plan. If you retire and do not meet the eligibility requirements for retiree life insurance or you would like a greater level of coverage than is provided to eligible retirees, you may convert all of your group life insurance to an individual policy. If you do so, you pay the regular individual policy insurance company rates for your age at the time you buy the insurance, but you do not have to provide evidence of insurability. The rates for converted coverage can be significantly more expensive than the rates for the group coverage available to active employees. Therefore, you should check other sources of insurance coverage several months before your retirement date. Once you retire, you must make your decision about conversion within 31 days of your retirement date. If you die during the 31 days before your insurance is continued through the portability feature or converted to an individual policy, your beneficiary receives a lump sum payment of the amount you were entitled to continue or convert, even if you did not apply for continuation of conversion. Conversion provides the opportunity to obtain the full amount of coverage lost, through an individual universal life policy, if employees lose coverage for any reason other than policy termination or termination of coverage for their class. (If coverage is lost due to these reasons, some restrictions apply.) The Hartford has a toll-free Conversion Quote Line for individuals to obtain a cost estimate for converting their coverage. The Quote Line, , is available Monday through Friday, 9:00 a.m. to 5:00 p.m. EST.

VII. Life & Accident Insurance Programs Table of Contents About This Section...1 An Overview of the Life and Accident Insurance Programs...2 How Benefits Are Paid...2 Basic Life Insurance...3 Imputed Income...3

Group Life and AD&D Plan TABLE OF CONTENTS (Click on any item below to go to that section) Introduction Group Life and AD&D Overview Life Insurance Optional Life Insurance Dependent Life Insurance Proof

Visa Inc. MetLife Life and AD&D Insurance Plan Summary of Benefits for Employees Effective January 1, 2013 MetLife Life and AD&D Insurance Plan 1 Table of Contents BENEFITS UNDER THE LIFE AND AD&D PLAN...

Saudi Arabian Oil Company (Saudi Aramco) U.S. Dollar Payroll Group Life Insurance Plan January 1, 2016 January 1, 2016 GROUP INSURANCE PLAN WHO IS ELIGIBLE... 1 HOW TO PARTICIPATE... 1 COST AND FUNDING...

Group Life and AD&D Plan TABLE OF CONTENTS (Click on any item below to go to that section) Introduction Group Life and AD&D Overview Life Insurance Optional Life Insurance Dependent Life Insurance Proof

2014 Life Insurance Guide Worldwide Assurance for Employees of Public Agencies www.waepa.org Guide 2014 Life Insurance Guide 2014 Life Insurance Guide Published by, Worldwide Assurance for Employees of

Life Insurance The Company offers different life insurance coverage options to protect you and your family in the case of your death or accidental injury (AD&D insurance only applies to full- time employees).

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment

A Quality Term Life Insurance Policy Available exclusively to AAFP members and their families Endorsed by Association-group insurance underwritten by NEW YORK LIFE INSURANCE COMPANY The Company You Keep.

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. If you are a regular, full-time employee, the Getty Life Insurance

Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table

THE STANDARD LIFE AND AD&D INSURANCE Standard Insurance Company provides Life, Accidental Death and Dismemberment (AD&D) for eligible Bloomfield School District (BSD) employees and dependents Basic Term

Group Term Life insurance www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 Group Term Life Insurance When it comes to protecting the financial security of your loved ones, nothing is

Employee Life Insurance F Introduction F-2 Who Is Eligible F-3 Employee Eligibility F-3 If Your Eligible Spouse Is Also a Company Employee or Retiree F-4 Dependent Eligibility F-4 How to Enroll, Change

43 Life and AD&D Coverage Options Life Insurance Options Life insurance pays benefits if you die or if a dependent dies while covered by the plan. Adequate life insurance can provide important financial

Life and Accident Coverage Your Life and Accident Insurance benefits are designed to provide financial security for your survivors in the event of your death, and for you, in case of accidental dismemberment,

Who is Eligible for Coverage? PERSONAL ACCIDENT INSURANCE You, the Employee, are eligible for coverage, if you are an active full-time or part-time employee of Hanford Employee Welfare Trust (HEWT) sponsoring

YOUR GROUP LIFE INSURANCE PLAN For Participants in the Full Retirement Plan of St. Norbert College 6CC000 B-11196 9-07 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

January 1, 2009 MMC This is an employee-paid group-term life insurance plan that helps you provide for your family s financial security. The Plan pays money to someone you name as your beneficiary if you

YOUR GROUP LIFE INSURANCE PLAN For Employees of University System of New Hampshire 6CC000 Class I B-12270 11-12 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

Date July 1, 2009 MMC This is a Company-paid group-term life insurance plan that helps you provide for your family s financial security. The Plan pays money to someone you name as your BENEFICIARY if you

Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select

Your Benefits Trust basic life insurance union benefits you can trust Printed October 2004 table of contents INTRODUCTION About the Trust................. 3 About this booklet.............. 3 Answering

1199SEIU National Benefit Fund for Home Care Employees Summary Plan Description of Your Health and Welfare Benefits SECTION IV LIFE INSURANCE BENEFIT Home Care members were not eligible for a Life Insurance

Life Insurance and AD&D The plan provides you with life and accident coverage that gives you and your family protection against some of the financial hardships that can occur if you become injured or die.

Date July 1, 2010 MMC This plan is an employee-paid group term life insurance plan that helps you provide for your family s financial security. The Plan pays money to you if your covered spouse or approved

YOUR GROUP LIFE INSURANCE PLAN For Employees of State of South Dakota All Eligible Employees 6CC000 B-14517 (03-15) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF

Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical

Life Insurance and AD&D The plan provides you with life and accident coverage that gives you and your family protection against some of the financial hardships that can occur if you become injured or die.

Group Optional Term Life and AD&D Insurance For Employees of the City of Baltimore 2016 Plan Year PROTECT THE LIFE THEY LIVE TODAY Increase coverage during open enrollment October 30, 2015 - November 13,

Voluntary Term Life, Voluntary Personal Accident Insurance Overview Prepared for the employees of Westminster College Voluntary Term Life Insurance Coverage paid by you What would happen to your family

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED

State of Louisiana All Employees Basic Term Life Insurance Basic plus Supplemental Term Life Insurance Accidental Death and Dismemberment Insurance Dependent Term Life Insurance The Prudential Insurance

Date November 1, 2010 MMC This is an employee-paid group-term life insurance plan that helps you provide for your family s financial security. The Plan pays money to someone you name as your BENEFICIARY

Accidental Death and Dismemberment (AD&D) Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through. Written in non-technical

LIFE INSURANCE SUMMARY Your family can count on your paycheck to meet day-to-day expenses while you are actively at work, but it is important to plan for their financial security in the event of your death.

Supplemental Life and AD&D Insurance Benefit Highlights Benefit Highlights Southern Orthopedic Associates What is supplemental life and AD&D insurance? Am I eligible? When can I enroll? When is it effective?

NCPERS Family Protection Plus Group Decreasing Term Life Insurance For more information or to sign-up for the plan, please visit www.ncpersfamilyprotection.com OPEN ENROLLMENT CONTINUES THROUGH NOVEMBER

Participating in the Life and Accidental Death and Dismemberment (AD&D) Insurance Plans This document serves as the Summary Plan Description (SPD) for the Campbell Soup Company Life Insurance and Accidental

State of Louisiana Employee Term Life Coverage Accidental Death and Dismemberment Coverage Dependents Term Life Coverage Foreword We are pleased to present you with this Booklet. It describes the Program

Symetra Life Insurance Plan for County of Albemarle - Employee Plan - For You Symetra s Group Term Life Insurance is a yearly renewable, supplemental group term life insurance with monthly premium rates

Earning for Today and Saving for Tomorrow Basic Life Insurance Plan inspiring possibilities In This Summary Certification Page...3 Schedule of Benefits...4 Life Insurance, Accidental Death and Dismemberment

Life Insurance Plan for Full-Time Appointed Employees of IndianaUniversity University Human Resource Services Effective January 1, 2004 This booklet is designed to summarize the group Life Insurance Plan

Voluntary Term Life Insurance Overview Prepared for the employees of BenefitMall Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income were gone? Could

State of Maryland s Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Your Supplemental Term Life Insurance Coverage Options

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Lane Community College Basic Term Life Insurance Coverage What would happen to your family

Group Term Life and AD&D Insurance Programs For Employees of the State of Tennessee Insuring your future What do I need to know? The State of Tennessee is proud to partner with Minnesota Life Insurance

Term Life and Accident Insurance Developed for the Employees of ABC Company Protecting Your Family Securing Your Future "As long as you've got your health..." If you're physically healthy, you can work,

Group Disability GROUP BENEFIT PROGRAM HIGHLIGHTS When the death of a family provider occurs, families find themselves facing not only the loss of a loved one but also the loss of their financial security.

Basic Term Life Insurance Accidental Death and Dismemberment Insurance Optional Term Life Insurance Dependent Term Life Insurance Optional Accidental Death and Dismemberment Insurance The Prudential Insurance

Frequently Asked Questions 1. Who is eligible? All AAD members in good standing who are under age 65 are eligible to enroll for this plan. If the Family Plan is selected, you may also enroll your lawful

Voluntary Term Life Insurance Overview Prepared for the employees of The Columbus Organization Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income

Benefits at a Glance for Community College System of New Hampshire Group Policy # 152335 Effective Date January 1, 2011 (Date of last revision: 10/22/13) I. Basic Life and Accidental Death and Dismemberment

Term Life and Accident Insurance Developed for the Employees of Drury University Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children

Term Life and Accident Insurance Developed for the Employees of Hobart and William Smith Colleges 811761 a 06/12 Life Insurance Who Needs Life Insurance? You do. Single or married. Buying your first home

PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC. Underwritten by LIFE INSURANCE COMPANY OF NORTH AMERICA Philadelphia, Pennsylvania. A Stock Insurance Company,

Group Basic Life Insurance For employees participating in OEBB plans Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Brochure This brochure

Dependent Life Insurance Plan Lowe's offers the Lowe's Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through Cigna, to help with expenses related to the death of a dependent.

Group Life Insurance For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer

U.W. Hospitals & Clinics Voluntary Accidental Death & Dismemberment Insurance GTU 2584087 The following is a brief description of the Voluntary Accidental Death and Dismemberment Plan. The benefits described

Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373 The following is a brief description of the Voluntary Accidental Death and Dismemberment

BCS Life Insurance Company Oakbrook Terrace, Illinois MENNONITE CHURCH USA NAB 7901 CERTIFICATE OF INSURANCE GROUP TERM LIFE This Certificate of Insurance is evidence of the Insured s insurance under the

Group Basic Life Insurance For Employees Participating In OEBB Plans Standard Insurance Company Group Basic Life Insurance About This Brochure This brochure and the accompanying Oregon Educators Benefit

Term Life and Personal Accident Insurance Developed for the Employees of St. Olaf College 811761 a 06/12 Life Insurance Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing

Chico Research Foundation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment